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On your policy, car insurance collision coverage typically carries a deductible, which is the amount you pay before the auto insurance company assumes the cost of the repair. Many insured drivers choose a higher car insurance deductible ($500 to $1,000) to keep premiums low.
Auto insurance collision coverage is also more expensive for cars with certain risk factors:
* Very expensive
* Frequently stolen
* Difficult to repair, and/or accident-prone.